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The TFSA catch-up rule is easier to miss than people think

I kept reading about contribution limits and assumed my unused room from past years just disappeared. Turns out the CRA tracks it automatically and you can see your exact number on My Account, mine was over $12,000 as of last March. A buddy in Calgary lost a year of growth because he never checked and maxed out his RRSP instead. Did anyone else find this confusing when they first started investing, or was I just slow to catch on?
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